Children sitting together with parents and laughing

Experience the Credit Union Difference

At River Valley Credit Union (RVCU), we believe in empowering our community through accessible and member-focused financial services. Joining RVCU means becoming part of a cooperative that prioritizes your financial well-being.​

Eligibility Criteria​

You are eligible to join RVCU if you meet any of the following conditions:​

  • Residency or Association:
    • Live, work, worship, or attend school in Kent, Montcalm, or Ionia County, Michigan.
  • Retirees:
    • Individuals aged 55 or older who receive a retirement annuity, pension, Social Security, or similar retirement income and reside in, or belong to a retirement organization located in, Kent, Montcalm, or Ionia County, Michigan.​

Becoming a member is straightforward and opens the door to a range of financial benefits.​


Why Choose a Credit Union?

Credit unions are not-for-profit, member-owned cooperatives. This structure allows us to:​

  • Offer Competitive Rates:
    • Lower loan rates and higher savings yields.
  • Provide Personalized Service:
    • Decisions are made by members, ensuring services align with your needs.
  • Deliver Member-Only Savings:
    • Exclusive discounts through our partners.​

Joining RVCU means you’re more than a customer; you’re a valued member with a voice in your financial institution.​


How to Join​

Becoming a member is easy:​

  • Visit Us:
    • Stop by any of our branches in Ada, Lowell, or Edmore, Michigan.
  • Join Online:

For assistance, call or text us at 616-787-7481.​


Contact Information​

  • Phone: 616-787-7481
  • Routing Number: 272476239
  • Mailing Address: PO Box 493, Ada, MI 49301​

Your savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA).​